Bessemer Trust Company of California, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 92.10% +83.10 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $13.6M | 13,566 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $14.7M | 14,729 | RCOAA224 |
| Recomputed ratio | 92.10% | numerator / denominator | |
| Filed ratio | 92.10% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +83.10 pp | $12.2M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | RCOAP742 |
| Retained earnings | 10,566 | 11,027 | 11,713 | 12,187 | 12,868 | 13,203 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 13,566 | 14,027 | 14,713 | 15,187 | 15,868 | 16,203 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 13,566 | 14,027 | 14,713 | 15,187 | 15,868 | 16,203 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 13,566 | 14,027 | 14,713 | 15,187 | 15,868 | 16,203 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 14,729 | 14,742 | 16,628 | 16,973 | 16,600 | 16,276 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 92.10% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 95.15% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 88.48% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 89.48% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 95.59% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 99.55% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 99.31% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | NA | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 99.11% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 99.15% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 98.19% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 99.30% | 20.70% | 20.70% | 21.86% | 12.73% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Bessemer Trust Company of California, N.A. (this bank) | CBLR | NA | NA | NA | 92.10% | |
| Peoples State Bank | $13.9M | CBLR | NA | NA | NA | 13.04% |
| First Community Trust, N.A. | $13.8M | CBLR | NA | NA | NA | 93.28% |
| Inspire Trust Company, N.A. | $13.8M | Risk-based | 258.61% | 258.61% | 258.61% | 104.59% |
| Brown Brothers Harriman Trust Company of Delaware, N.A. | $14.9M | CBLR | NA | NA | NA | 60.00% |
| Rockefeller Trust Company, N.A. | $14.9M | Risk-based | 309.48% | 309.48% | 309.48% | 80.33% |
| Grand Rivers Community Bank | $15.1M | Risk-based | 10.50% | 10.50% | 11.75% | 8.14% |
| Thrivent Trust Co. | $15.5M | CBLR | NA | NA | NA | 82.67% |
| Davidson Trust Co. | $13.2M | Risk-based | 159.08% | 159.08% | 159.08% | 75.93% |
| Young Americans Bank | $15.5M | Risk-based | 203.22% | 203.22% | 204.33% | 11.86% |
| Peer 25th percentile | 159.08% | 159.08% | 159.08% | 13.04% | ||
| Peer median | 203.22% | 203.22% | 204.33% | 75.93% | ||
| Peer 75th percentile | 258.61% | 258.61% | 258.61% | 82.67% | ||
| This bank's percentile | NA | NA | NA | 78 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2845782/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.